If you have been injured, you should promptly seek counsel
Over the years, I've gotten calls from individuals at the scene of an accident or in an emergency room shortly after an accident. So it's really a matter of personal preference -how quickly you speak to a lawyer. My suggestion would be, in two instances, it's almost mandatory that you speak to a lawyer. If you've been injured, you should seek counsel. If it's clear that the claim is going to be denied or head into litigation, you should also seek counsel in that instance as well.